I am approximately 5 years from retirement. I will start withdrawing income only at that time from my Ira. I plan to put 30% of my rollover ira in bonds or mmf. The dollar amount would be appx 18,000 for bonds or mmf. Intermediate cash flow will stay in the Ira tax deferred. My brokers mmf pays 4.45% and I believe I must use that fund. Thanks for your quick reply and your questions. Any further insight would be greatly appreciated.